bazooka boo, i no you said just ignore them and file a ccomplaint with the OFT&TS via consumer direct. what is OFT?&TS? also lowell are now trying to say that kays were unable to validate the claim as customer did not contact them as requested,which i no is not true as the place were i got the photocopy off the credit agreement form done outside was a post box and it got posted, so this is not my fault that kays staff are not doing there jobs properly. lowell keep sending me letters asking me for payment also saying that they will look up to see if i have a mortage and if i have other commitments and paying them on time also if i'm working so they can either take me to court,or send someone face to face. i have never been in this situation ever before and its making me really ill. please can you help!!! pinkd

dx, will look it up. thx for all your help. pinkd

dx, how do i get hold off it,sorry about this as never done this before. thx

dx100uk, What is a CRA file? pinkd

I use to be an agent for kays catalogue and one of my customers got some items which were all sent to her address and she signed for the items. The person moved out the town and she had also written to Kays herself with her new address and requested to pay kays direct. Kays requested her to send the following identification (Untility Bill & Tenancy Agreement) which she did so. Kays replied back to her with a credit agreement form, the document needed to be signed which she did. ( I have a photocopy for my proof) and it was sent back to Kays. 3 Years later I am now getting letters of Lowell Financial demanding I pay for her items. I've not got the person contact details so I cannot ask her what is happening. (Please can you advise as I've sent copies of my evidence to Lowell and there still say I have to pay for her debt, even no none of the items came to me and I didnt sign for anything).